Kotak Mahindra Bank — frequent receiving calls from kotak mahindra bank

This is a serious issue ppl calling to my friends who are known to me and are torturing if they know my father who has taken loan from citi finance and this finance was closed by itself from our native place. They have our cheques with them and we were paying our emis as per the norms. Now they are saying to pay the remaining amounts two to four times. How are we resposible for the delay since your finance office is closed. And how is this related to kotak mahindra? If that is so please give us back our cheque qill pay the remaing actual due. This is what we also convey them. But they are saying that they have misplaced the cheques during the relocating. How can we belive on callers please come with legal procrdure and then we can see what we can do.